A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. Services at 800-686-1526.Here is everything you need to know about subrogation claims, a type of thirdparty claim. How Long the Process Takes. Subrogation Example. This is an example of how subrogation works: EXAMPLE: John has car insurance with State Farm. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. Subrogation in car insurance is the substitution of one person or entity for another in a claim or debt settlement. Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages. Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages.